Investor Presentaiton

Diversified business mix with strong, resilient revenue Diversified by business % of Operating Groups Net Revenue - LTM¹ Canadian P&C 33% Canadian Personal BMO Capital Markets 24% Diversified by geography % of Net Revenue by Geography - LTM1 Other 6% U.S. P&C 21% Canadian Commercial Banking U.S. Commercial Banking Banking U.S. Personal Banking Asset Management Insurance Investment & Corporate Banking Global Markets Personal Wealth BMO Wealth Management 22% U.S. 36% 1 Net revenue is net of insurance claims, commissions and changes in policy benefit liabilities (CCPB); LTM is last twelve months; excludes Corporate Services BMO Financial Group Canada 58% Investor Presentation • October 2021 9

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